Product Manager-Credit Cards

Job Description

Role – Product Manager (Credit Card Payments)

Function/Department – Credit Card

Job Purpose:

The Product Manager - Credit Card Payments will be responsible for driving end-to-end payment transaction performance across the credit card portfolio by optimizing authorization rates, reducing transaction declines, strengthening fraud controls, and identifying emerging misuse patterns. The role requires a deep understanding of the card payment ecosystem, including transaction lifecycle management from Acquirer to Network to Issuer and vice versa.

The incumbent will work closely with Visa, Mastercard, RuPay, technology teams, fraud risk teams, operations to implement industry best practices, innovative payment solutions, and fraud prevention strategies. The objective is to enhance customer experience, improve transaction success rates, minimize fraud losses, and maintain a healthy credit card portfolio.

Role & Responsibilities:

• Drive and optimize the end-to-end credit card payment journey across POS, E-commerce, Contactless, Tokenization, ATM, and UPI-on-Credit Card channels.
• Monitor and improve authorization performance by analyzing transaction declines, customer behavior, merchant trends, network performance, and portfolio health.
• Collaborate with Visa, Mastercard, RuPay, technology, operations, risk, and analytics teams to implement payment enhancements and improve customer experience.
• Identify emerging fraud patterns and implement fraud prevention strategies through transaction monitoring, authentication controls, device intelligence, behavioral analytics, and risk frameworks.
• Analyze transaction, fraud, chargeback, and dispute data to generate actionable insights and recommend business improvements.
• Drive automation of MIS, dashboards, monitoring frameworks, and reporting to support business decisions and operational efficiency.
• Prepare business cases, Business requirement documents (BRDs), portfolio reviews, and management presentations for senior leadership.
• Liaise with payment networks, NPCI, payment gateways, and acquiring partners for performance improvement initiatives, issue resolution, and regulatory compliance.
• Support implementation of new payment capabilities such as tokenization, contactless payments, digital wallets, recurring payments, and UPI-on-Credit Card.
• Monitor customer experience, chargeback trends, disputes, and operational issues, driving corrective actions to improve service quality.
• Conduct periodic reviews of transaction trends across merchants, channels, geographies, and customer segments to identify growth opportunities and risks.
• Participate in audits, regulatory reviews, network certifications, and continuous process improvement initiatives.
• Positive, collaborative attitude, Prolific communicator
• Ability to evaluate potential business opportunities, structure the team’s thinking, and reach insightful answers
• Experience in managing multiple cross-functional opportunities and projects in parallel
• Ambitious team player with the ability to manage the internal & external partners requirements and tasks in time sensitive situations
• Hands-on experience in card payment ecosystems, authorization processes, fraud monitoring, or transaction risk management.

Educational Qualifications:        

Graduation: Bachelor of Commerce (B.com) / Bachelor of Science (B.Sc) / Bachelor of Arts (BA) / Bachelor of Business & Insurance (BBI) / Bachelor of Management Studies (BMS) 

Post-Graduation: Master of Business Administration (MBA) / Master of Commerce (M.com) / Master of Arts (MA) 

Experience:

2-5 years of experience in Credit Cards Payments, Transaction Banking, Authorization Strategy, Fraud Risk Management, or Payment Product Management.